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A Tampa commercial water damage claim may be denied because the insurance company concludes that corrosion, deterioration, wear and tear, or long-term leakage caused the plumbing failure. But an exclusion affecting the failed plumbing component does not necessarily determine whether resulting water damage, access costs, damaged business property, or business-income losses are also excluded. The...

A Florida business can suffer major property damage, have its insurance company accept coverage, receive a substantial payment, and still end up with a seriously underpaid claim. That is one of the most misunderstood problems in commercial property insurance. Business owners naturally focus on whether the insurer will approve or deny the claim, but in...

A commercial fire can affect far more than the building itself. In a matter of hours, a business may face structural damage, destroyed inventory, smoke contamination, damaged equipment, interrupted operations, displaced employees, lost revenue, emergency expenses, and an insurance claim that may take months to resolve. Commercial fire claims are rarely limited to the cost...

For years, Florida lawmakers argued that reducing insurance litigation would help stabilize the state’s troubled property insurance market. Sweeping reforms passed in 2022 and 2023 were designed to reduce lawsuits, lower insurer litigation costs, and encourage more carriers to do business in Florida. But new data suggests the problem was never that simple. According to...

Florida homeowners are under increasing pressure to control property insurance costs. When premiums are already high, an insurance company’s offer of a discount in exchange for a mandatory binding arbitration endorsement can seem like an easy way to lower the cost of coverage. But the discount may come with a significant tradeoff. A binding arbitration...

Expanding Our Commitment to Florida Property Owners Williams Law Association, P.A. is proud to announce the acquisition of Premier Property Law, PLLC. This strategic expansion strengthens our ability to represent homeowners, businesses, condominium associations, and commercial property owners throughout Florida by expanding our litigation team and enhancing the resources available to handle complex property insurance...

The holiday season brings joy, celebration, and family gatherings throughout Tampa Bay, but it also brings a sobering reality that every driver should understand. From Thanksgiving through New Year’s Day, Tampa’s roads become significantly more dangerous, with accident rates climbing dramatically during what should be the most wonderful time of the year. As personal injury...

A Florida Insurance Litigation Attorney’s Perspective on the Latest Attack on Property Owners If you’ve been paying attention to Florida’s legislative assault on homeowners’ insurance rights over the past several years, you already know the playbook. Strip away attorney fee protections. Make it more complicated to sue. Create procedural hoops that favor deep-pocketed insurance companies....